Affordable Orthodontic Care: Resources for Adult Patients
Orthodontic treatment isn’t just about a straight smile. It can improve your oral health, confidence, and even help with jaw pain and speech issues. But the cost can feel overwhelming, and unfortunately, most non-profit organizations tend to be for children and teens. The good news? There are real, practical ways to make orthodontic care affordable even on a tight budget.
Dental School Clinics
Many dental schools have orthodontic programs that often offer treatment at significantly reduced prices. Services are provided by orthodontic residents under the supervision of licensed orthodontists. While appointments might take a little longer than a regular office, the savings can be huge.
How to find a school: Search for accredited dental schools near you or visit the American Association of Orthodontic’s (AAO) website for a list of accredited dental schools in your state.
Ask About In-House Payment Plans
Many orthodontists offer in-house financing or flexible payment plans with little to no interest. Don’t be afraid to ask—even private practices may work with your budget if you’re upfront about your financial situation. Some providers will let you put down a small deposit and pay off the rest over 12–36 months.
Learn more about payment plans: Read this article by the American Academy of Orthodontics
Use a Healthcare Credit Card (CareCredit, etc.)
CareCredit essentially lets you finance your orthodontic treatment so you can spread out payments, which can make expensive treatments more manageable without upfront lump sums. Many plans offer 0% interest for 6–24 months if paid in full during the promotional period. Just remember to check the details of your payment plan and be mindful of paying on time to avoid interest. Make sure to find an orthodontist that accepts CareCredit. You can then apply for CareCredit online or through your orthodontist. Approval depends on your credit and income and is usually done within a few days.
Start your search: Use this provider search tool by CareCredit to locate orthodontists in your area that accept CareCredit.
Look Into Dental Discount Plans
These are not insurance, but membership programs that give you access to pre-negotiated lower prices on dental and orthodontic procedures. They typically cost around $80–$150 per year and can save you 20–60% on treatment. Unlike insurance, they don’t pay for your treatment; instead, they lower the cost when you visit participating providers.
Popular providers: DentalPlans.com, Aetna Vital Savings, or Cigna Dental Savings.
Seek Out Sliding Scale or Nonprofit Clinics
Community health centers and nonprofit dental clinics often offer care on a sliding fee scale based on your income. These clinics may offer general dental care and sometimes refer out to affordable orthodontists or offer basic orthodontic services themselves.
Start your search: Search for “sliding scale dental clinics near me.”
Explore Medicaid and State Programs
In some states, Medicaid covers adult orthodontics—especially if the treatment is medically necessary (e.g., jaw problems, speech issues). Each state has its own rules, so check your eligibility through your local Medicaid office or website.
Learn more about Medicaid Coverage: Read our article “When Does Medicaid Cover Orthodontics?”
You deserve access to healthcare, and that includes orthodontics. While it may take some research and persistence, affordable options do exist. Start with a consultation, ask lots of questions, and don’t be afraid to shop around. A healthier smile isn’t just a cosmetic upgrade. It’s an investment in your overall well-being.
